Cheapest Insurance in Minnesota 2021
- Find cheapest car insurance Minnesota
- Best insurance companies
- Minimum coverage
- Additional coverage
- Minimum coverage carriers
- Full coverage
- Full coverage carriers
- Cost by age
- Poor driving record insurance
- Carriers for poor driving record
- Young drivers poor driving record insurance
- Young drivers carriers for poor driving record
- Cost by car make
- Cost by city
- Lower costs
As a no-fault state with high minimum insurance requirements, Minnesota definitely isn’t the cheapest state to secure car insurance. But using a comparison app to view quotes from multiple providers can definitely help you save.
Each insurer uses its own formula to determine premiums, weighing factors such as location, age, gender, driving history, and vehicle type. This means that car insurance rates can vary substantially from one insurance company to another.
Jerry offers a quick and convenient way to compare quotes and switch plans. Want to give it a try? Enter your ZIP code to get cheap car insurance quotes from the best insurance companies in Minnesota. And if you want to learn more about car insurance rates in Minnesota, keep reading.
Find the cheapest car insurance in Minnesota with Jerry
To get the best insurance rates in Minnesota, you’ll want to compare rates from a number of different insurance companies. Sticking to your go-to insurer year after year could mean paying more than you need to for your coverage.
Here’s how much Jerry customers were paying for car insurance in Minnesota before they compared quotes and switched plans with Jerry:
Best insurance companies for cheap insurance in Minnesota with Jerry
Using a comparison app to view quotes from multiple providers is the best way to find cheap car insurance in Minnesota.
Cheapest minimum coverage car insurance in Minnesota
The minimum required insurance coverage varies depending on your state laws. In Minnesota, drivers must have the following:
- $30,000 bodily injury liability per person
- $60,000 bodily injury liability per accident
- $10,000 property damage liability per accident
- $40,000 personal injury protection (PIP)
- $25,000 per person and $50,000 per accident uninsured motorist coverage
- $25,000 per person and $50,000 per accident underinsured motorist coverage
Remember, the minimum insurance coverage is a requirement, not a recommendation. In some cases, minimum liability car insurance won’t cover all your expenses in the event of an accident. If you can afford to pay for more coverage, it’s generally a good idea to purchase a more comprehensive policy.
Here’s how much Jerry users pay for minimum liability car insurance in Minnesota:
Additional coverages you might want to consider when shopping for car insurance in Minnesota
|Risk factor||Coverage to consider|
|Severe weather||Wind and rain storms, tornadoes, and hail storms are serious risks in Minnesota and can cause extensive damage to vehicles. Comprehensive insurance covers repair costs for damage related to weather events.|
|Rural roads||With lots of rural roads, roadside assistance can be a helpful add-on to your policy. It can help you with towing, battery boosts, locksmith services, and tire changes.|
Though the minimum insurance requirements in Minnesota are pretty thorough, securing additional coverage is generally a good idea to address state-specific risk factors.
Best carriers for minimum coverage car insurance in Minnesota
It’s not a good idea to drive without minimum liability insurance in Minnesota. Your first offense alone will get you a fine of anywhere from $200–$1,000, potential 30-day license suspension, and an SR-22 certificate requirement—and the penalties increase from there.
Comparing rates with different insurers can help you find the most affordable coverage so that you don’t have to go without.
Here’s how much Jerry customers pay for minimum liability coverage with various carriers in Minnesota:
Cheapest full coverage car insurance in Minnesota
Securing more than just the minimum required coverage is usually a good idea, as it provides peace of mind and better protects you financially.
Although full coverage costs more upfront, purchasing more coverage can protect you from the financial burden of an expensive accident—which means it could end up costing less in the long run.
Full coverage car insurance policies generally include:
If you decide that full coverage insurance is the best option for you, Jerry can help you save there, too. Here’s what Jerry users pay:
Best carriers for full coverage car insurance in Minnesota
Comparing multiple providers will help you find the best rates for the coverage you need. Here’s how much Jerry customers pay for full coverage car insurance with various carriers in Minnesota:
Minnesota is pretty strict when it comes to the mandatory minimum insurance requirements—but purchasing more coverage can protect you financially and provide greater peace of mind.
Cost to insure your car in Minnesota by age
Insurers value driving experience. The younger you are, the less experience you have—and this will likely be reflected in higher insurance premiums.
Teen drivers continue to be overrepresented in Minnesota traffic crashes because of driver inexperience, distractions, speeding and other risky driving behaviors, and failing to use seatbelts. In 2019, 16% of all car accidents involved teenage drivers.
This added risk is why insurers charge higher premiums to young drivers.
But if you’re a young driver, don’t despair. While you’re unlikely to enjoy the same low rates as your parents, you can still get cheap car insurance quotes by shopping around and maintaining a clean driving record.
No matter your age, quote shopping with Jerry is a good place to start. Here are the prices Jerry offers drivers by age:
Cost of insurance for drivers in Minnesota with a bad driving record
Drivers who have gotten into an accident, received a speeding ticket, or have been convicted of a DUI often pay higher car insurance rates.
Depending on the circumstances, serious violations can remain on your driving record for up to a decade. This will deem you a high-risk driver in the eyes of insurance companies and will significantly impact your premium for an extended period.
The good news is that Jerry can help you find a competitive and cheap car insurance policy even if your driving record isn’t squeaky clean.
|Speeding over 15||$3,163||$1,352|
|Wrong Way/Wrong Lane||$3,576||$1,587|
|Driving on Sus. License||$4,811||$1,844|
|Failure to Obey Traffic Sign||$3,057||$1,852|
|Speeding under 15||$3,123||$1,947|
Best carriers for drivers with infractions in Minnesota
Cost of insurance for young drivers in Minnesota with a bad driving record
Young drivers with less-than-stellar driving records have “double-trouble” insurability status, which can make finding affordable rates extremely difficult.
Minnesota has a graduated driver’s licensing system that is intended to help ease new driver’s into the driving environment. While it’s helped to reduce crashes involving teens, statistics still show that young drivers are most likely to engage in dangerous driving behaviors.
Rates remain high since insurance companies must take on so much additional risk to insure a young driver with a violation on their record.
Thankfully, Jerry can help young drivers with prior incidents find the right coverage for the best price.
If you’re looking for the most affordable insurance for a young driver with a not-so-great driving record in Minnesota, check out these top carriers.
Best carriers for young drivers with infractions in Minnesota
Young drivers are already deemed higher risk by insurers, and a moving violation only adds to this. Comparing rates from various providers can help find the most affordable premiums.
Types of discounts that might be available to you in Minnesota
Never underestimate a good discount! If you want to find cheap car insurance quotes, be sure to take advantage of any car insurance discounts that are provided by insurance companies in Minnesota.
Here are some to keep an eye out for:
- Customer loyalty (e.g., bundling, early renewal)
- Demographic (e.g., good student, senior)
- Driver affiliations (e.g., military, affinity)
- Driving history (e.g., accident-free, safe driver)
- Driver training (e.g., defensive driver course)
- Equipment-related (e.g., anti-theft, new car)
- Payment (e.g., auto-pay, paperless)
|Discount type||Who is eligible?|
|Driver education discounts||State law requires insurance companies to provide discounted premiums to drivers over the age of 50 who complete an approved defensive driving course.|
|Billing and payment discounts||Many insurers offer discounts if you pay your policy in full at the beginning of the term, set up automatic payments, or opt for paperless billing.|
|Safety discounts||If your car has multiple airbags, anti-lock brakes, or other safety add ons may be eligible for discounted rates.|
|Policy bundling discounts||Purchasing multiple policies with the same insurer can save you up to 12% on each one. Popular policies to bundle with auto insurance include home, renter’s condo, life, and even health insurance.|
If you’re not sure which discounts might apply to you, worry not. Jerry can help you determine which discounts you qualify for, and it will automatically include them in real-time quote comparisons.
Most customers are eligible for some kind of discount on their premium, but you may need to ask your insurance company which ones you qualify for.
How much does it cost to insure my car make in Minnesota?
Sports cars and convertibles probably aren’t the most practical vehicles for the Minnesota winters—and it’s a good thing, because they’re certainly not cheap to insure.
Generally speaking, relatively inexpensive cars are typically the cheapest to insure since they cost less to repair in the event of an accident.
If you drive fewer miles, you may also pay less for insurance because you’re less likely to get into an accident.
Here’s what it costs to insure some popular car makes and models with and without Jerry:
Cheapest car insurance in Minnesota by city
Just as car insurance rates vary by state, they can also vary by city and ZIP code. Drivers in cities tend to pay more than drivers in rural areas because urban centers have higher rates of accidents, thefts, and claims.
Generally speaking, car insurance rates are reasonable throughout Minnesota. The state is mainly rural and has a low population density—and for insurance companies, that means lower risk of accidents and vehicle theft.
Here are the top 10 cheapest cities for car insurance in Minnesota:
Additional ways to lower your car insurance
To get cheap car insurance, you may want to consider raising your deductible. When you file a claim, the deductible is the amount of money you have to pay out of pocket before your car insurance kicks in to cover the remaining balance. If you increase your deductible, this could lower your premium — but be aware that this means you’ll incur higher initial out-of-pocket costs in the event of an accident.
It’s also a good idea to update your car insurance to reflect any major life changes that have occurred since you received your last auto insurance quote. For example, if you’ve gotten married, you may be offered lower rates because married people are perceived to be safer drivers. Or if you’ve moved to a rural area, you may qualify for reduced rates because you’re less likely to get in an accident and file a claim.
It can be hard to keep track of your car insurance renewals while also juggling your own daily obligations. That’s why Jerry reassesses your premium every six months. At each renewal period, Jerry can help you make any relevant updates and ensure you get the lowest possible price for your coverage.
Get the lowest rate possible by choosing a vehicle with good safety ratings, driving safely, qualifying for discounts, and comparing rates with a smart tool like Jerry.
Want to find out if you’re overpaying? Let Jerry do the work for you.
Unless otherwise specified, these estimates are based on drivers older than 30 who have good driving records. These are real people who have signed up with Jerry in the last six months.
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Frequently asked questions
How much does it cost to use Jerry?
Jerry's services are 100% free of charge. There are no hidden fees and no surprise add-ons at the last minute.
What kind of insurance can Jerry help with?
Jerry currently shops for car, home, renters, and umbrella insurance.
Which insurance companies will I get quotes from?
Jerry shops with up to 45 insurance companies. These include Progressive, Nationwide, Travelers, Mapfre, National General, Mercury, AAA and others. If you want Jerry to shop at any specific companies, just let him know. You can email the member service team at firstname.lastname@example.org or call 1-833-445-3779 (M-F 8am-5pm PT).
Does Jerry mark up the quotes from the insurance companies?
No. Jerry does not mark up the price. The quotes we send to you are the same as those you’d get if you’d shopped yourself.
Will Jerry sell my personal information? Will I be bombarded with phone calls and emails?
Absolutely not. Jerry takes your privacy very seriously. Jerry doesn’t even ask you for your email until you’re ready to switch your insurance to a new company. Jerry does not sell or share your contact information with any external companies. You will not be getting any phone calls or emails. All the communication happens through the mobile app. If you need help, you can request a call from one of our in-house licensed agents, but we don’t call to sell you insurance.
Do I have to wait until my current insurance policy is up for renewal before I can switch?
No, you don’t need to wait until you receive a renewal notice from your current provider. You can switch insurance policies anytime. By law, insurance companies must return any unused premium you have already paid for your policy. A few insurance companies may charge a small cancellation fee if you cancel before the end of the policy. Jerry will let you know the cancellation fee before you decide to switch the policy.
Is Jerry a licensed insurance agent?
Yes, Jerry Insurance Agency (license number 0M34848) is a licensed insurance broker, registered in the state of California. Jerry carries a $1m professional liability policy for your peace of mind.
How is Jerry better than my local agents or the online price shopping sites?
1. Jerry provides quotes from up to 45 insurance companies. Most online price comparison sites (and your local agent) will only provide quotes from a few insurance companies (usually the top 5 or 6 companies, and a handful of smaller brands) with whom they have contracts. You’re more likely to save money with Jerry because we work with top insurance companies.
2. Jerry’s mobile app makes managing your insurance policy a breeze. You can ask questions, upload documents, request changes, and much more. No more phone calls or emails back and forth.
3. With Jerry, you never have to think about insurance shopping again. Jerry will automatically shop you before your renewal date and send you quotes through the mobile app.
Will Jerry change my policy without my approval?
Absolutely not. Jerry will not make any changes to either your existing or your new policy without your approval. Jerry will shop for you before your policy renewal date and show you all your options in the app — it’s up to you to decide if you want to change your policy or not. If you ask Jerry to move forward with a quote you like, only then Jerry will do the paperwork to switch your policy.
Will having Jerry shop for quotes affect my credit score or current insurance rate?
No. Frequent shopping for car insurance quotes does not have an impact on your credit score or the cost of your insurance. In the state of California, a credit check is not required for getting quotes. In other states, insurance companies may run a credit check but it’s a “soft pull,” or fact check, of your credit, as opposed to a “hard pull,” which typically occurs when you apply for credit. Soft pulls, which are used for comparing car insurance rates, do not affect your credit score or rating, no matter how many quotes are obtained.
How can I contact customer service?
You can email the member service team at email@example.com or call 1-833-445-3779 (M-F 8am-5pm PT).